The Bank of Forest is a state-chartered bank headquartered in Forest, Mississippi, in business for about 126 years. At the end of Q2 2026 it reported $296.3M in total assets and $269.0M in deposits, with 3 offices.
The Bank of Forest has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 33rd. Problem-loan coverage contributes the most (84/100, 7.8%); loan quality contributes the least (57/100, 1.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (70 → 68), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 71 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 64 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.42% |
| Q3 2024 | 11.77% |
| Q4 2024 | 11.60% |
| Q1 2025 | 11.61% |
| Q2 2025 | 11.52% |
| Q3 2025 | 11.71% |
| Q4 2025 | 11.45% |
| Q1 2026 | 10.93% |
| Q2 2026 | 10.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.59% |
| Q2 2025 | 0.74% |
| Q3 2025 | 1.56% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.97% |
| Q4 2025 | 1.03% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $296.3M | 10.91% | 1.30% | 1.41% | 61.1% |
| Q1 2026 | 65 | $298.1M | 10.93% | 1.36% | 1.26% | 62.1% |
| Q4 2025 | 63 | $274.0M | 11.45% | 1.58% | 1.03% | 72.0% |
| Q3 2025 | 64 | $270.6M | 11.71% | 1.56% | 0.97% | 68.0% |
| Q2 2025 | 70 | $265.2M | 11.52% | 0.74% | 0.81% | 66.6% |
| Q1 2025 | 68 | $267.8M | 11.61% | 0.59% | 0.39% | 65.1% |
| Q4 2024 | 71 | $256.8M | 11.60% | 0.68% | 0.75% | 67.2% |
| Q3 2024 | 73 | $265.5M | 11.77% | 0.60% | 0.85% | 64.6% |
| Q2 2024 | 72 | $263.4M | 11.42% | 0.52% | 0.77% | 65.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Commercial BankBank De Kalb, MS | 72 out of 100, Strong | $295.5M | 10.6% | 0.25% | vs |
| Bank of FranklinBank Meadville, MS | 70 out of 100, Strong | $302.3M | 9.9% | 0.27% | vs |
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| Unity Bank of MississippiBank Holly Springs, MS | 61 out of 100, Moderate | $281.8M | 11.0% | 0.80% | vs |
| Grand Bank for Savings, FSBBank Hattiesburg, MS | 64 out of 100, Moderate | $280.4M | 11.0% | 0.78% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
Deposit insurance
Is my money safe at The Bank of Forest?
Yes. The Bank of Forest is an FDIC-insured institution (FDIC certificate #898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.0% of deposits ($86.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.91%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
The Bank of Forest lists 3 offices in 3 cities. Most locations:
- Flowood, MS (1)
- Forest, MS (1)
- Walnut Grove, MS (1)
HMDA 2025
Mortgage lending
In 2025, The Bank of Forest reported 111 home-loan applications under HMDA (LEI 549300XYMV9W4308FO60): 107 originated ($16,925,000 total), 1 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Bank of Forest
- Type
- State-chartered bank
- FDIC certificate #
- 898
- RSSD ID
- 642437
- Primary regulator
- FDIC
- Holding company
- First Forest Corp
- Established
- March 27, 1900
- Headquarters
- 211 W Third St, Forest, MS 39074
- Website
- www.bkforest.com
- Employees
- 53
Quick answers
The Bank of Forest: common questions
Is The Bank of Forest FDIC insured?
Yes. The Bank of Forest is an FDIC-insured institution (FDIC certificate #898). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Forest's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of Forest ever failed?
There is no failure record for FDIC certificate #898 in the FDIC failed bank list.
How many branches does The Bank of Forest have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Forest
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |
| BankFirst Financial ServicesBank Columbus, MS | 69 out of 100, Moderate | $3.3B | 10.9% | 0.77% | vs |
| The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS | 66 out of 100, Moderate | $1.6B | 9.1% | 0.47% | vs |
| Great Southern BankBank Meridian, MS | 66 out of 100, Moderate | $355.1M | 9.5% | 0.67% | vs |